Richard Miller CFP®, ChFC®, LUTCF

“The best time to plant a tree was 20 years ago. The second best time is now.”

– Chinese Proverb

Meet Richard  Your Financial Guide

At BACE Financial, we help businesses, widows, and families confidently navigate their financial journeys using our proprietary BACE Camp approach. You wouldn’t hike Everest without a map, so why go into retirement or life transitions without a plan? Too often, people rely on hope instead of preparation. That’s why we’re here to provide clarity, strategy, and peace of mind every step of the way. Richard’s path to becoming a financial consultant began in 2019, after losing his father to a three-year battle with pancreatic cancer. Helping his mom handle the retirement accounts, benefits, and financial pieces left behind was the spark that created BACE. That experience gave Richard a deep passion for helping widows and families navigate life after loss with confidence and care. He also quickly realized how complicated personal and business finances can become. Without a cohesive strategy, people end up with mismatched financial tools that don’t work together to achieve their goals. Richard’s mission is to simplify the complex, align your financial tools, and guide you toward financial independence with service and legacy at the heart of it all.

Richard is an Eagle Scout who fell in love with the outdoors early in life. He and his wife, Delaney, now live in Columbia, SC with their son Doug, and two dogs. They love hiking, biking, playing board games, volunteering, catching Columbia Fireflies baseball games, and trying new restaurants. Richard holds a B.S. in Economics with a minor in Communications from Clemson. (Delaney graduated from USC, so yes, it’s a house divided!)

Anchored by the core belief that “We were put on this Earth to serve” Richard best serves partners that:

• Run a business they love but want more time to enjoy with their family
• Have lost a spouse and feel overwhelmed by managing finances alone
• Want to set up a Scholarship or Foundation
• Feel their current plan is outdated or hasn’t kept up with tax law changes
• Want to build a legacy, creating generational wealth for loved ones they may never meet

Who Trusts Richard?

Many of Richard’s Strongest Relationships have been with

• Business owners looking to retain talent and build succession plans
• Widows and Widowers who relied on their spouse to manage finances and now need trusted support
• Families focused on financial independence and using money as a tool to live intentionally
• Friends and family who refer others because they know they’ll be treated with care
• People guided by values—those who live by the Golden Rule and want a partner who does the same